The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$71,368
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,588
−HK$2,255/mo
Today · 4.125%
HK$75,843
baseline
▲ 0.50% · 4.625%
HK$80,458
+HK$4,615/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,686/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,396
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,525
−HK$2,160/mo
Today · 4.125%
HK$83,685
baseline
▲ 0.50% · 4.625%
HK$88,096
+HK$4,411/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,370/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,641
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,305
−HK$2,707/mo
Today · 4.125%
HK$91,012
baseline
▲ 0.50% · 4.625%
HK$96,549
+HK$5,537/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,024/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,275
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,830
−HK$2,592/mo
Today · 4.125%
HK$100,422
baseline
▲ 0.50% · 4.625%
HK$105,716
+HK$5,294/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,844/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,915
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,023
−HK$3,157/mo
Today · 4.125%
HK$106,180
baseline
▲ 0.50% · 4.625%
HK$112,641
+HK$6,461/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,360/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,154
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,135
−HK$3,024/mo
Today · 4.125%
HK$117,159
baseline
▲ 0.50% · 4.625%
HK$123,335
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,318/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,462
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$132,458
−HK$4,059/mo
Today · 4.125%
HK$136,517
baseline
▲ 0.50% · 4.625%
HK$144,824
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,034/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,912
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$146,745
−HK$3,888/mo
Today · 4.125%
HK$150,633
baseline
▲ 0.50% · 4.625%
HK$158,574
+HK$7,941/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,266/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,168 · Scale 2, in force from 26 Feb 2026)